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do not bet against the sg bank shares

chartistkao1
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28-Feb-2023 15:49

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lending money to cement business

Cyclical industry: The cement industry is highly cyclical and depends on the level of economic activity and construction demand. Economic slowdowns or downturns can lead to lower demand for cement and may impact the profitability of cement producers.
Price volatility: The price of cement is subject to significant price volatility, which can impact the profitability of cement producers. Changes in raw material costs, energy costs, or transportation costs can affect the price of cement.
Environmental risks: The cement industry is a significant contributor to carbon emissions and other environmental impacts. Changes in environmental regulations or increased public awareness of environmental impacts could increase regulatory or reputational risks for cement producers.
Competition: The cement industry is highly competitive, with numerous producers competing for market share. Competition could impact pricing and profitability for cement producers.
Operational risks: Cement production is a complex process that involves mining, processing, and transportation. Operational risks such as equipment failures, supply chain disruptions, or accidents could impact the operations and profitability of cement producers.

chartistkao1 ( Date: 28-Feb-2023 15:47) Posted:

Here are some potential risks associated with DBS Bank' s acquisition of LVB:

Integration risk: Integrating two different companies with different cultures, systems, and processes can be challenging. There could be unforeseen issues that could arise during the integration process, which could impact the success of the acquisition.
Regulatory risk: Acquiring a bank in a foreign country can involve navigating a different regulatory environment, which could pose challenges and uncertainties for DBS Bank.
Operational risk: LVB has been struggling with operational issues, including high levels of non-performing assets, which could impact DBS Bank' s operations in India.
Economic risk: India' s economy has been facing challenges, including slower growth and inflation, which could impact the performance of LVB and DBS Bank' s operations in India.
Political risk: Political instability and changes in government policies could impact the banking sector in India, which could in turn impact DBS Bank' s operations in the country.

In June 2021, it was reported that DBS Bank was among a group of banks that had provided loans totaling $1.3 billion to the Adani Group, an Indian conglomerate. While the specific terms of the loan were not disclosed, it was reported that the funds would be used to refinance existing debt and fund capital expenditure for Adani' s ports and logistics business.
As with any loan exposure, there are potential risks associated with DBS Bank' s loan to Adani, including:

Credit risk: If Adani is unable to repay the loan, it could result in losses for DBS Bank.
Reputation risk: Adani has been the subject of controversy and protests over environmental and social concerns, which could impact DBS Bank' s reputation by association.
Regulatory risk: Any regulatory action against Adani or the ports and logistics sector in which it operates could impact the performance of the loan and DBS Bank' s exposure to the sector.
Industry-specific risks: As with any loan exposure to a specific industry, there are risks associated with the overall performance of the industry, including market and price volatility, as well as potential environmental and social risks.

chartistkao1 ( Date: 28-Feb-2023 15:32) Posted:

Financial performance: Both UOB and DBS have strong financial performance, but their financial metrics differ slightly. For example, UOB tends to have higher net interest margins and return on equity, while DBS has a larger loan book and a more diversified revenue stream.
Market capitalization: DBS has a larger market capitalization than UOB, which may make it a more attractive investment for some investors who prefer larger and more established companies.
Dividend yield: UOB currently offers a higher dividend yield than DBS, which may be attractive to income-seeking investors.
Growth potential: Both banks have been expanding their operations in Southeast Asia, but UOB has been more focused on expanding its presence in Thailand and Indonesia, while DBS has been more focused on digital transformation and expanding its wealth management business.
Risk profile: Both banks have a strong focus on risk management, but their risk profiles differ slightly. For example, UOB has a higher exposure to corporate lending, while DBS has a larger exposure to SMEs and retail customers.

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28-Feb-2023 15:47

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Here are some potential risks associated with DBS Bank' s acquisition of LVB:

Integration risk: Integrating two different companies with different cultures, systems, and processes can be challenging. There could be unforeseen issues that could arise during the integration process, which could impact the success of the acquisition.
Regulatory risk: Acquiring a bank in a foreign country can involve navigating a different regulatory environment, which could pose challenges and uncertainties for DBS Bank.
Operational risk: LVB has been struggling with operational issues, including high levels of non-performing assets, which could impact DBS Bank' s operations in India.
Economic risk: India' s economy has been facing challenges, including slower growth and inflation, which could impact the performance of LVB and DBS Bank' s operations in India.
Political risk: Political instability and changes in government policies could impact the banking sector in India, which could in turn impact DBS Bank' s operations in the country.

Credit risk: If Adani is unable to repay the loan, it could result in losses for DBS Bank.
Reputation risk: Adani has been the subject of controversy and protests over environmental and social concerns, which could impact DBS Bank' s reputation by association.
Regulatory risk: Any regulatory action against Adani or the ports and logistics sector in which it operates could impact the performance of the loan and DBS Bank' s exposure to the sector.
Industry-specific risks: As with any loan exposure to a specific industry, there are risks associated with the overall performance of the industry, including market and price volatility, as well as potential environmental and social risks.

chartistkao1 ( Date: 28-Feb-2023 15:32) Posted:

Financial performance: Both UOB and DBS have strong financial performance, but their financial metrics differ slightly. For example, UOB tends to have higher net interest margins and return on equity, while DBS has a larger loan book and a more diversified revenue stream.
Market capitalization: DBS has a larger market capitalization than UOB, which may make it a more attractive investment for some investors who prefer larger and more established companies.
Dividend yield: UOB currently offers a higher dividend yield than DBS, which may be attractive to income-seeking investors.
Growth potential: Both banks have been expanding their operations in Southeast Asia, but UOB has been more focused on expanding its presence in Thailand and Indonesia, while DBS has been more focused on digital transformation and expanding its wealth management business.
Risk profile: Both banks have a strong focus on risk management, but their risk profiles differ slightly. For example, UOB has a higher exposure to corporate lending, while DBS has a larger exposure to SMEs and retail customers.

chartistkao1 ( Date: 28-Feb-2023 15:27) Posted:

Strong financial performance: UOB has a track record of strong financial performance, with steady profits and a healthy balance sheet. The bank has consistently delivered strong returns to shareholders over the years.
Diversified business: UOB has a well-diversified business, with a strong presence in Singapore, Malaysia, Thailand, and Indonesia. This provides the bank with exposure to multiple economies, reducing the impact of any potential downturns in any one market.
Attractive dividend yield: UOB offers an attractive dividend yield, which provides investors with a regular income stream.
Growth potential: UOB has been expanding its operations in Southeast Asia, which could lead to increased growth opportunities in the region. The bank has also been investing in digital transformation, which could improve its competitiveness and lead to future growth.
Well-managed risk profile: UOB has a well-managed risk profile, with a focus on credit quality and risk management. The bank has maintained a conservative approach to lending, which has helped it weather economic downturns in the past.

https://links.sgx.com/FileOpen/Form%201_WeeEeCheong_23Feb2023.ashx?App=Announcement& FileID=748060

https://links.sgx.com/FileOpen/Form%201_%20WeeEeCheong_18Aug22.ashx?App=Announcement& FileID=729096

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28-Feb-2023 15:32

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Financial performance: Both UOB and DBS have strong financial performance, but their financial metrics differ slightly. For example, UOB tends to have higher net interest margins and return on equity, while DBS has a larger loan book and a more diversified revenue stream.
Market capitalization: DBS has a larger market capitalization than UOB, which may make it a more attractive investment for some investors who prefer larger and more established companies.
Dividend yield: UOB currently offers a higher dividend yield than DBS, which may be attractive to income-seeking investors.
Growth potential: Both banks have been expanding their operations in Southeast Asia, but UOB has been more focused on expanding its presence in Thailand and Indonesia, while DBS has been more focused on digital transformation and expanding its wealth management business.
Risk profile: Both banks have a strong focus on risk management, but their risk profiles differ slightly. For example, UOB has a higher exposure to corporate lending, while DBS has a larger exposure to SMEs and retail customers.

chartistkao1 ( Date: 28-Feb-2023 15:27) Posted:

Strong financial performance: UOB has a track record of strong financial performance, with steady profits and a healthy balance sheet. The bank has consistently delivered strong returns to shareholders over the years.
Diversified business: UOB has a well-diversified business, with a strong presence in Singapore, Malaysia, Thailand, and Indonesia. This provides the bank with exposure to multiple economies, reducing the impact of any potential downturns in any one market.
Attractive dividend yield: UOB offers an attractive dividend yield, which provides investors with a regular income stream.
Growth potential: UOB has been expanding its operations in Southeast Asia, which could lead to increased growth opportunities in the region. The bank has also been investing in digital transformation, which could improve its competitiveness and lead to future growth.
Well-managed risk profile: UOB has a well-managed risk profile, with a focus on credit quality and risk management. The bank has maintained a conservative approach to lending, which has helped it weather economic downturns in the past.

https://links.sgx.com/FileOpen/Form%201_WeeEeCheong_23Feb2023.ashx?App=Announcement& FileID=748060

https://links.sgx.com/FileOpen/Form%201_%20WeeEeCheong_18Aug22.ashx?App=Announcement& FileID=729096

chartistkao1 ( Date: 28-Feb-2023 15:23) Posted:

https://sginvestors.io/analysts/research/2023/02/uob-ocbc-investment-research-2023-02-23

https://thesmartinvestor.com.sg/uobs-share-price-has-tumbled-16-in-6-months-is-the-bank-a-buy/

https://links.sgx.com/FileOpen/Form%201_WeeEeCheong_23Feb2023.ashx?App=Announcement& FileID=748060

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28-Feb-2023 15:27

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Strong financial performance: UOB has a track record of strong financial performance, with steady profits and a healthy balance sheet. The bank has consistently delivered strong returns to shareholders over the years.
Diversified business: UOB has a well-diversified business, with a strong presence in Singapore, Malaysia, Thailand, and Indonesia. This provides the bank with exposure to multiple economies, reducing the impact of any potential downturns in any one market.
Attractive dividend yield: UOB offers an attractive dividend yield, which provides investors with a regular income stream.
Growth potential: UOB has been expanding its operations in Southeast Asia, which could lead to increased growth opportunities in the region. The bank has also been investing in digital transformation, which could improve its competitiveness and lead to future growth.
Well-managed risk profile: UOB has a well-managed risk profile, with a focus on credit quality and risk management. The bank has maintained a conservative approach to lending, which has helped it weather economic downturns in the past.

https://links.sgx.com/FileOpen/Form%201_WeeEeCheong_23Feb2023.ashx?App=Announcement& FileID=748060

https://links.sgx.com/FileOpen/Form%201_%20WeeEeCheong_18Aug22.ashx?App=Announcement& FileID=729096

chartistkao1 ( Date: 28-Feb-2023 15:23) Posted:

https://sginvestors.io/analysts/research/2023/02/uob-ocbc-investment-research-2023-02-23

https://thesmartinvestor.com.sg/uobs-share-price-has-tumbled-16-in-6-months-is-the-bank-a-buy/

https://links.sgx.com/FileOpen/Form%201_WeeEeCheong_23Feb2023.ashx?App=Announcement& FileID=748060

chartistkao1 ( Date: 28-Feb-2023 15:17) Posted:

https://www.straitstimes.com/business/invest/if-my-kids-dont-want-to-run-the-bank-so-be-it

https://links.sgx.com/FileOpen/Form%201_WeeEeCheong_23Feb2023.ashx?App=Announcement& FileID=748060

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28-Feb-2023 15:23

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https://sginvestors.io/analysts/research/2023/02/uob-ocbc-investment-research-2023-02-23

https://thesmartinvestor.com.sg/uobs-share-price-has-tumbled-16-in-6-months-is-the-bank-a-buy/

https://links.sgx.com/FileOpen/Form%201_WeeEeCheong_23Feb2023.ashx?App=Announcement& FileID=748060

chartistkao1 ( Date: 28-Feb-2023 15:17) Posted:

https://www.straitstimes.com/business/invest/if-my-kids-dont-want-to-run-the-bank-so-be-it

https://links.sgx.com/FileOpen/Form%201_WeeEeCheong_23Feb2023.ashx?App=Announcement& FileID=748060

chartistkao1 ( Date: 27-Feb-2023 14:25) Posted:

https://www.pbs.org/newshour/economy/federal-reserve-rate-hikes-likely-to-cause-a-recession-research-says

https://www.zawya.com/en/economy/world-bank-expects-kuwait-growth-at-85-nwljs4dp

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28-Feb-2023 15:17

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https://www.straitstimes.com/business/invest/if-my-kids-dont-want-to-run-the-bank-so-be-it

https://links.sgx.com/FileOpen/Form%201_WeeEeCheong_23Feb2023.ashx?App=Announcement& FileID=748060

chartistkao1 ( Date: 27-Feb-2023 14:25) Posted:

https://www.pbs.org/newshour/economy/federal-reserve-rate-hikes-likely-to-cause-a-recession-research-says

https://www.zawya.com/en/economy/world-bank-expects-kuwait-growth-at-85-nwljs4dp

chartistkao1 ( Date: 27-Feb-2023 14:22) Posted:

will US' s lethal weapon scew up saudi arabia' s strong economy
https://www.eiu.com/n/saudi-arabia-set-to-be-the-worlds-fastest-growing-major-economy

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27-Feb-2023 14:25

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https://www.pbs.org/newshour/economy/federal-reserve-rate-hikes-likely-to-cause-a-recession-research-says

https://www.zawya.com/en/economy/world-bank-expects-kuwait-growth-at-85-nwljs4dp

chartistkao1 ( Date: 27-Feb-2023 14:22) Posted:

will US' s lethal weapon scew up saudi arabia' s strong economy
https://www.eiu.com/n/saudi-arabia-set-to-be-the-worlds-fastest-growing-major-economy/

chartistkao1 ( Date: 27-Feb-2023 14:13) Posted:

https://financialhorse.com/dbs-bank-stock-at-all-time-high-time-to-sell-bank-stocks-as-a-singapore-investor-in-2023/

https://www.youtube.com/watch?v=-Q_o6e-9dmw

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27-Feb-2023 14:22

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will US' s lethal weapon scew up saudi arabia' s strong economy
https://www.eiu.com/n/saudi-arabia-set-to-be-the-worlds-fastest-growing-major-economy/

chartistkao1 ( Date: 27-Feb-2023 14:13) Posted:

https://financialhorse.com/dbs-bank-stock-at-all-time-high-time-to-sell-bank-stocks-as-a-singapore-investor-in-2023/

https://www.youtube.com/watch?v=-Q_o6e-9dmw

chartistkao1 ( Date: 27-Feb-2023 14:07) Posted:

https://www.theedgesingapore.com/capital/results/uob-reports-record-high-fy2022-earnings-457-bil-final-dividend-75-cents-share

https://www.youtube.com/watch?v=2slvL-qKjj0

usdsgd 1.3504

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27-Feb-2023 14:13

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https://financialhorse.com/dbs-bank-stock-at-all-time-high-time-to-sell-bank-stocks-as-a-singapore-investor-in-2023/

https://www.youtube.com/watch?v=-Q_o6e-9dmw

chartistkao1 ( Date: 27-Feb-2023 14:07) Posted:

https://www.theedgesingapore.com/capital/results/uob-reports-record-high-fy2022-earnings-457-bil-final-dividend-75-cents-share

https://www.youtube.com/watch?v=2slvL-qKjj0

usdsgd 1.3504

chartistkao1 ( Date: 27-Feb-2023 14:03) Posted:

THE trio of Singapore banks wrapped up 2022 with record results, as they continued to post strong earnings in the fourth quarter of the year on the back of higher net interest income.
The chief executives of the respective banks remained cautiously optimistic of their FY2023 performance, as they expect interest rates will largely remain elevated and continue to boost their net interest margins (NIM), although they warned of costs catching up.
Eugene Tarzimanov, vice-president &ndash senior credit officer at Moody&rsquo s Investors Service, expects the three banks will further improve their profitability in 2023 after ending 2022 on a solid note.
&ldquo Yet the pace of change will be less significant than last year because of growing funding and operating costs,&rdquo Tarzimanov said.
For the fourth quarter of 2022, DBS&rsquo net profit was up 69 per cent on year to a record S$2.34 billion. This came as DBS recorded higher net interest income, while trading income and investment gains improved from a low base.
UOB posted a 13 per cent rise in its Q4 net profit to S$1.2 billion as net interest income rose, although net fee income fell amid lower wealth and fund management fees, cushioned by a double-digit growth in credit card fees.

Meanwhile, OCBC&rsquo s Q4 net profit rose 34 per cent to S$1.3 billion. Its net interest income hit a new quarterly high, but non-interest income declined on lower wealth management fees and valuation losses from its insurance arm Great Eastern.
DBS&rsquo Q4 results came in ahead of analysts&rsquo estimates, while UOB&rsquo s were in line with forecasts. Meanwhile, OCBC missed consensus estimates.
Several analysts raised their target prices on DBS after the results. UOB Kay Hian analyst Jonathan Koh raised his target price to S$45.80 from S$45.35, while RHB&rsquo s research team lifted its target price to S$42 from S$41.10. Koh and the RHB team, which both have a &ldquo buy&rdquo call on the counter, raised their respective earnings forecast on the bank for FY2023 due to lower specific provisions.
Meanwhile, CGS-CIMB analysts Andrea Choong and Lim Siew Khee cut their target price on DBS to S$35.70 from S$36.50 as they lowered their NIM expectations given funding cost pressures. The analysts, who have a &ldquo hold&rdquo call on DBS, expect that the NIM upside from higher interest rates is already priced in, while a pick-up in wealth management could take time to materialise as rates stay higher for longer.
For UOB, analysts largely maintained their calls. DBS Group Research analyst Lim Rui Wen said UOB&rsquo s dividend yield of more than 5 per cent continues to be attractive, while the RHB team noted that with no specific negative developments, it &ldquo remains constructive&rdquo on the counter given its undemanding price.
But CGS-CIMB&rsquo s Choong and Lim cut their target price to S$33.30 from S$34.80 as they raised their risk-free rate on the counter, and to account for the costs of integrating Citi&rsquo s regional consumer banking business. They kept their &ldquo add&rdquo call on UOB.
As for OCBC, the Jefferies Equity Research team noted that the bank&rsquo s earnings missed estimates even though its dividend payout beat expectations. While the clarity on its payout ratio going forward is positive, the earnings miss will likely be taken negatively by the market, the team said.

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27-Feb-2023 14:07

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https://www.theedgesingapore.com/capital/results/uob-reports-record-high-fy2022-earnings-457-bil-final-dividend-75-cents-share

https://www.youtube.com/watch?v=2slvL-qKjj0

usdsgd 1.3504

chartistkao1 ( Date: 27-Feb-2023 14:03) Posted:

chartistkao1 ( Date: 27-Feb-2023 14:00) Posted:

ts profit for the full year stood at S$4.6 billion, just under Bloomberg consensus estimates of S$4.7 billion.
The research team at Lim & Tan securities believes the sell-off was likely due to weaker than expected Q4 performance.
Analysts were, however, still optimistic on the lender&rsquo s growth potential. They think this could be an &ldquo accumulation&rdquo opportunity given UOB&rsquo s accretive acquisition of Citigroup&rsquo s Asean operations, which is expected to bear fruit over the next one to two years.
The higher interest rate environment is also likely to continue benefiting the group&rsquo s net interest margin or net interest income, they said.
The research house has a consensus target price of S$34 on UOB and recommended investors &ldquo accumulate on weakness&rdquo as it noted that the group was trading at a nine times price-to-earnings ratio, 1.2 times price-to-book ratio and at a 4.325 per cent yield.

https://www.youtube.com/watch?v=5eXkJ00uBi0

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chartistkao1 ( Date: 27-Feb-2023 14:00) Posted:

chartistkao1 ( Date: 27-Feb-2023 13:55) Posted:

https://www.businesstimes.com.sg/companies-markets/capital-markets-currencies/hot-stock-uob-drops-45-s2961-despite-posting-record

https://www.youtube.com/watch?v=kyianSNOdnw

usd cnh 6.9834

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27-Feb-2023 14:00

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chartistkao1 ( Date: 27-Feb-2023 13:55) Posted:

https://www.businesstimes.com.sg/companies-markets/capital-markets-currencies/hot-stock-uob-drops-45-s2961-despite-posting-record

https://www.youtube.com/watch?v=kyianSNOdnw

usd cnh 6.9834

chartistkao1 ( Date: 27-Feb-2023 13:52) Posted:

Market Summary > United Overseas Bank Ltd

4.52%

Annual dividend yield

0.34

SGD

Quarterly dividend amount

29.90 SGD +0.050 (0.17%)

today

https://www.dividends.sg/view/u11

https://www.youtube.com/watch?v=P_tJ6fFAfZM

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https://www.businesstimes.com.sg/companies-markets/capital-markets-currencies/hot-stock-uob-drops-45-s2961-despite-posting-record

https://www.youtube.com/watch?v=kyianSNOdnw

usd cnh 6.9834

chartistkao1 ( Date: 27-Feb-2023 13:52) Posted:

Market Summary > United Overseas Bank Ltd

4.52%

Annual dividend yield

0.34

SGD

Quarterly dividend amount

29.90 SGD +0.050 (0.17%)

today

https://www.dividends.sg/view/u11

https://www.youtube.com/watch?v=P_tJ6fFAfZM

chartistkao1 ( Date: 27-Feb-2023 10:58) Posted:

https://www.straitstimes.com/business/berkshire-hathaway-reports-major-investment-losses-in-2022

https://www.wsj.com/articles/warren-buffetts-berkshire-hathaway-posts-big-2022-loss-in-rocky-market-5579f985

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Market Summary > United Overseas Bank Ltd

4.52%

Annual dividend yield

0.34

SGD

Quarterly dividend amount

29.90 SGD +0.050 (0.17%)

today

https://www.dividends.sg/view/u11

https://www.youtube.com/watch?v=P_tJ6fFAfZM

chartistkao1 ( Date: 27-Feb-2023 10:58) Posted:

https://www.straitstimes.com/business/berkshire-hathaway-reports-major-investment-losses-in-2022

https://www.wsj.com/articles/warren-buffetts-berkshire-hathaway-posts-big-2022-loss-in-rocky-market-5579f985

chartistkao1 ( Date: 27-Feb-2023 09:58) Posted:

Insurance companies make money by collecting premiums from policyholders and investing those funds to generate returns. They also earn income from fees and other charges associated with their insurance products. There are several reasons why an insurance company' s profit may fall:

Higher Claims: Insurance companies have to pay claims when their policyholders experience losses or damages. If there is an increase in claims, it can lead to a reduction in profits. The increase in claims can be due to various reasons such as natural disasters, accidents, or changes in economic conditions.
Lower Investment Returns: Insurance companies invest the premiums collected from policyholders in various financial instruments such as stocks, bonds, and real estate to generate returns. If the investment returns are lower than expected due to market conditions or poor investment decisions, it can lead to lower profits.
Increased Competition: Insurance companies face stiff competition from other companies offering similar insurance products. If the competition intensifies, the companies may be forced to lower their premiums or offer more benefits to policyholders to retain their business, which can lead to lower profits.
Regulatory Changes: Insurance companies operate in a highly regulated industry, and changes in regulations can impact their profitability. For example, changes in insurance laws or requirements can increase the costs of doing business and reduce profits.
Economic Downturn: Economic downturns or recessions can impact insurance companies' profitability. During tough economic times, people may be more likely to cancel their insurance policies or reduce the amount of coverage they have, which can lead to lower premiums and reduced profits.

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https://www.straitstimes.com/business/berkshire-hathaway-reports-major-investment-losses-in-2022

https://www.wsj.com/articles/warren-buffetts-berkshire-hathaway-posts-big-2022-loss-in-rocky-market-5579f985

chartistkao1 ( Date: 27-Feb-2023 09:58) Posted:

Higher Claims: Insurance companies have to pay claims when their policyholders experience losses or damages. If there is an increase in claims, it can lead to a reduction in profits. The increase in claims can be due to various reasons such as natural disasters, accidents, or changes in economic conditions.
Lower Investment Returns: Insurance companies invest the premiums collected from policyholders in various financial instruments such as stocks, bonds, and real estate to generate returns. If the investment returns are lower than expected due to market conditions or poor investment decisions, it can lead to lower profits.
Increased Competition: Insurance companies face stiff competition from other companies offering similar insurance products. If the competition intensifies, the companies may be forced to lower their premiums or offer more benefits to policyholders to retain their business, which can lead to lower profits.
Regulatory Changes: Insurance companies operate in a highly regulated industry, and changes in regulations can impact their profitability. For example, changes in insurance laws or requirements can increase the costs of doing business and reduce profits.
Economic Downturn: Economic downturns or recessions can impact insurance companies' profitability. During tough economic times, people may be more likely to cancel their insurance policies or reduce the amount of coverage they have, which can lead to lower premiums and reduced profits.

chartistkao1 ( Date: 27-Feb-2023 09:54) Posted:

when the global investment climate turn from bad to good its profit will also improve substantially
https://www.asiainsurancereview.com/News/View-NewsLetter-Article/id/83771/type/eDaily/Singapore-Great-Eastern-s-2022-financial-results-clouded-by-global-investment-climat

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27-Feb-2023 09:58

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Higher Claims: Insurance companies have to pay claims when their policyholders experience losses or damages. If there is an increase in claims, it can lead to a reduction in profits. The increase in claims can be due to various reasons such as natural disasters, accidents, or changes in economic conditions.
Lower Investment Returns: Insurance companies invest the premiums collected from policyholders in various financial instruments such as stocks, bonds, and real estate to generate returns. If the investment returns are lower than expected due to market conditions or poor investment decisions, it can lead to lower profits.
Increased Competition: Insurance companies face stiff competition from other companies offering similar insurance products. If the competition intensifies, the companies may be forced to lower their premiums or offer more benefits to policyholders to retain their business, which can lead to lower profits.
Regulatory Changes: Insurance companies operate in a highly regulated industry, and changes in regulations can impact their profitability. For example, changes in insurance laws or requirements can increase the costs of doing business and reduce profits.
Economic Downturn: Economic downturns or recessions can impact insurance companies' profitability. During tough economic times, people may be more likely to cancel their insurance policies or reduce the amount of coverage they have, which can lead to lower premiums and reduced profits.

chartistkao1 ( Date: 27-Feb-2023 09:54) Posted:

chartistkao1 ( Date: 27-Feb-2023 09:34) Posted:

https://sginvestors.io/analysts/research/2023/01/dbs-ocbc-uob-4q22-earnings-preview-cgs-cimb-research-2023-01-24

https://sginvestors.io/sgx/stock/u11-uob/target-price

https://www.businesstimes.com.sg/companies-markets/capital-markets-currencies/hot-stock-uob-shares-hit-all-time-high-s3286

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chartistkao1 ( Date: 27-Feb-2023 09:34) Posted:

https://sginvestors.io/analysts/research/2023/01/dbs-ocbc-uob-4q22-earnings-preview-cgs-cimb-research-2023-01-24

https://sginvestors.io/sgx/stock/u11-uob/target-price

https://www.businesstimes.com.sg/companies-markets/capital-markets-currencies/hot-stock-uob-shares-hit-all-time-high-s3286

chartistkao1 ( Date: 27-Feb-2023 09:21) Posted:

do not sell short the bank shares after falling so much when dbs announced its result on 13 feb 2023

https://sginvestors.io/analysts/research/2023/01/singapore-banks-4q22-results-preview-uob-kay-hian-research-2023-01-26

https://sginvestors.io/sgx/stock/o39-ocbc-bank/target-price

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https://sginvestors.io/analysts/research/2023/01/dbs-ocbc-uob-4q22-earnings-preview-cgs-cimb-research-2023-01-24

https://sginvestors.io/sgx/stock/u11-uob/target-price

https://www.businesstimes.com.sg/companies-markets/capital-markets-currencies/hot-stock-uob-shares-hit-all-time-high-s3286

chartistkao1 ( Date: 27-Feb-2023 09:21) Posted:

do not sell short the bank shares after falling so much when dbs announced its result on 13 feb 2023

https://sginvestors.io/analysts/research/2023/01/singapore-banks-4q22-results-preview-uob-kay-hian-research-2023-01-26

https://sginvestors.io/sgx/stock/o39-ocbc-bank/target-price

chartistkao1 ( Date: 24-Feb-2023 15:40) Posted:

how high is the usd against all currencies in april 2023?

https://www.youtube.com/watch?v=lnxNmpNfoAg

https://www.globalcapital.com/article/2bbjlfpd7zyzofxmz045c/corporate-bonds/high-grade-corporate-borrowers-show-defiance-as-dollar-rally-fades

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chartistkao1
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27-Feb-2023 09:21

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do not sell short the bank shares after falling so much when dbs announced its result on 13 feb 2023

https://sginvestors.io/analysts/research/2023/01/singapore-banks-4q22-results-preview-uob-kay-hian-research-2023-01-26

https://sginvestors.io/sgx/stock/o39-ocbc-bank/target-price

chartistkao1 ( Date: 24-Feb-2023 15:40) Posted:

how high is the usd against all currencies in april 2023?

https://www.youtube.com/watch?v=lnxNmpNfoAg

https://www.globalcapital.com/article/2bbjlfpd7zyzofxmz045c/corporate-bonds/high-grade-corporate-borrowers-show-defiance-as-dollar-rally-fades

chartistkao1 ( Date: 24-Feb-2023 15:37) Posted:

how long is US' s dirty hands?

https://www.washingtonpost.com/opinions/2023/02/19/munich-china-blinken-wang/

https://www.youtube.com/watch?v=Ri89KOr1Z2I

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how high is the usd against all currencies in april 2023?

https://www.youtube.com/watch?v=lnxNmpNfoAg

https://www.globalcapital.com/article/2bbjlfpd7zyzofxmz045c/corporate-bonds/high-grade-corporate-borrowers-show-defiance-as-dollar-rally-fades

chartistkao1 ( Date: 24-Feb-2023 15:37) Posted:

how long is US' s dirty hands?

https://www.washingtonpost.com/opinions/2023/02/19/munich-china-blinken-wang/

https://www.youtube.com/watch?v=Ri89KOr1Z2I

chartistkao1 ( Date: 24-Feb-2023 15:35) Posted:

https://finance.yahoo.com/quote/U11.SI/history?p=U11.SI

https://www.youtube.com/watch?v=XcLmlU9KRoo

usdsgd 1.3493

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